Aggregated data query interface

This application claims the benefit of U.S. Provisional Patent Application No. 63/393,913 entitled “AGGREGATED DATA QUERY INTERFACE” and filed on Jul. 31, 2022, for Don Parker, which is incorporated herein by reference in its entirety for all purposes.

This invention relates to a user's data and more particularly relates to a query interface for a user's aggregated data.

More and more of a user's transactions and other data are being recorded as electronic data, which is often stored remotely (e.g., in the cloud) and secured with unique credentials. Other data may be publicly available, and more easily accessible. It may be difficult or at least less convenient for a user to access their secured personal data when they need it, or from other online locations, making that data less useful.

Apparatuses, systems, methods, and computer program products are disclosed for an aggregated data query interface. In one embodiment, an apparatus includes a processor and a memory that stores code executable by the processor to perform operations. An operation, in one embodiment, includes authenticating a user of a publicly accessible query interface. An operation, in a further embodiment, includes authenticating a user for a third-party financial account of the user. In some embodiments, an operation includes accessing financial transaction data from a third-party financial account on behalf of a user. An operation, in certain embodiments, includes receiving a query from a user via a publicly accessible query interface. In one embodiment, an operation includes embedding, in a graphical user interface on an electronic display screen, a display of one or more financial transactions from financial transaction data from a third-party financial account with a display of query results from a publicly accessible query interface, where the one or more financial transactions and the query results may each be associated with a query from a user.

In some embodiments, a computer program product comprises executable code stored on a non-transitory computer readable storage medium, executable by a processor to perform operations for an aggregated data query interface. An operation, in some embodiments, includes authenticating a user of a publicly accessible query interface. An operation, in one embodiment, includes authenticating a user for a third-party financial account of the user. In certain embodiments, an operation includes accessing financial transaction data from a third-party financial account on behalf of a user. An operation, in a further embodiment, includes receiving a query from a user via a publicly accessible query interface. In some embodiments, an operation includes embedding, in a graphical user interface on an electronic display screen, a display of one or more financial transactions from financial transaction data from a third-party financial account with a display of query results from a publicly accessible query interface, where the one or more financial transactions and the query results may each be associated with a query from a user.

In one embodiment, an apparatus for an aggregated data query interface includes means for authenticating a user of a publicly accessible query interface. An apparatus, in some embodiments, includes means for authenticating a user for a third-party financial account of the user. In a further embodiment, an apparatus includes means for accessing financial transaction data from a third-party financial account on behalf of a user. An apparatus, in one embodiment, includes means for receiving a query from a user via a publicly accessible query interface. In certain embodiments, an apparatus includes embedding, in a graphical user interface on an electronic display screen, a display of one or more financial transactions from financial transaction data from a third-party financial account with a display of query results from a publicly accessible query interface, where the one or more financial transactions and the query results may each be associated with a query from a user.

Reference throughout this specification to “one embodiment,” “an embodiment,” or similar language means that a particular feature, structure, or characteristic described in connection with the embodiment is included in at least one embodiment. Thus, appearances of the phrases “in one embodiment,” “in an embodiment,” and similar language throughout this specification may, but do not necessarily, all refer to the same embodiment, but mean “one or more but not all embodiments” unless expressly specified otherwise. The terms “including,” “comprising,” “having,” and variations thereof mean “including but not limited to” unless expressly specified otherwise. An enumerated listing of items does not imply that any or all of the items are mutually exclusive and/or mutually inclusive, unless expressly specified otherwise. The terms “a,” “an,” and “the” also refer to “one or more” unless expressly specified otherwise.

Furthermore, the described features, advantages, and characteristics of the embodiments may be combined in any suitable manner. One skilled in the relevant art will recognize that the embodiments may be practiced without one or more of the specific features or advantages of a particular embodiment. In other instances, additional features and advantages may be recognized in certain embodiments that may not be present in all embodiments.

These features and advantages of the embodiments will become more fully apparent from the following description and appended claims, or may be learned by the practice of embodiments as set forth hereinafter. As will be appreciated by one skilled in the art, aspects of the present invention may be embodied as a system, method, and/or computer program product. Accordingly, aspects of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment (including firmware, resident software, micro-code, etc.) or an embodiment combining software and hardware aspects that may all generally be referred to herein as a “circuit,” “module,” or “system.” Furthermore, aspects of the present invention may take the form of a computer program product embodied in one or more computer readable medium(s) having program code embodied thereon.

Many of the functional units described in this specification have been labeled as modules, in order to emphasize their implementation independence more particularly. For example, a module may be implemented as a hardware circuit comprising custom VLSI circuits or gate arrays, off-the-shelf semiconductors such as logic chips, transistors, or other discrete components. A module may also be implemented in programmable hardware devices such as field programmable gate arrays, programmable array logic, programmable logic devices or the like.

Modules may also be implemented in software for execution by various types of processors. An identified module of program code may, for instance, comprise one or more physical or logical blocks of computer instructions which may, for instance, be organized as an object, procedure, or function. Nevertheless, the executables of an identified module need not be physically located together, but may comprise disparate instructions stored in different locations which, when joined logically together, comprise the module and achieve the stated purpose for the module.

Indeed, a module of program code may be a single instruction, or many instructions, and may even be distributed over several different code segments, among different programs, and across several memory devices. Similarly, operational data may be identified and illustrated herein within modules, and may be embodied in any suitable form and organized within any suitable type of data structure. The operational data may be collected as a single data set, or may be distributed over different locations including over different storage devices, and may exist, at least partially, merely as electronic signals on a system or network. Where a module or portions of a module are implemented in software, the program code may be stored and/or propagated on in one or more computer readable medium(s).

The computer program product may include a computer readable storage medium (or media) having computer readable program instructions thereon for causing a processor to carry out aspects of the present invention.

The computer readable storage medium can be a tangible device that can retain and store instructions for use by an instruction execution device. The computer readable storage medium may be, for example, but is not limited to, an electronic storage device, a magnetic storage device, an optical storage device, an electromagnetic storage device, a semiconductor storage device, or any suitable combination of the foregoing. A non-exhaustive list of more specific examples of the computer readable storage medium includes the following: a portable computer diskette, a hard disk, a random access memory (“RAM”), a read-only memory (“ROM”), an erasable programmable read-only memory (“EPROM” or Flash memory), a static random access memory (“SRAM”), a portable compact disc read-only memory (“CD-ROM”), a digital versatile disk (“DVD”), a memory stick, a floppy disk, a mechanically encoded device such as punch-cards or raised structures in a groove having instructions recorded thereon, and any suitable combination of the foregoing. A computer readable storage medium, as used herein, is not to be construed as being transitory signals per se, such as radio waves or other freely propagating electromagnetic waves, electromagnetic waves propagating through a waveguide or other transmission media (e.g., light pulses passing through a fiber-optic cable), or electrical signals transmitted through a wire.

Computer readable program instructions described herein can be downloaded to respective computing/processing devices from a computer readable storage medium or to an external computer or external storage device via a network, for example, the Internet, a local area network, a wide area network and/or a wireless network. The network may comprise copper transmission cables, optical transmission fibers, wireless transmission, routers, firewalls, switches, gateway computers and/or edge servers. A network adapter card or network interface in each computing/processing device receives computer readable program instructions from the network and forwards the computer readable program instructions for storage in a computer readable storage medium within the respective computing/processing device.

Computer readable program instructions for carrying out operations of the present invention may be assembler instructions, instruction-set-architecture (ISA) instructions, machine instructions, machine dependent instructions, microcode, firmware instructions, state-setting data, or either source code or object code written in any combination of one or more programming languages, including an object oriented programming language such as Smalltalk, C++ or the like, and conventional procedural programming languages, such as the “C” programming language or similar programming languages. The computer readable program instructions may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the latter scenario, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet Service Provider). In some embodiments, electronic circuitry including, for example, programmable logic circuitry, field-programmable gate arrays (FPGA), or programmable logic arrays (PLA) may execute the computer readable program instructions by utilizing state information of the computer readable program instructions to personalize the electronic circuitry, in order to perform aspects of the present invention.

Aspects of the present invention are described herein with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer readable program instructions.

These computer readable program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions/acts specified in the flowchart and/or block diagram block or blocks. These computer readable program instructions may also be stored in a computer readable storage medium that can direct a computer, a programmable data processing apparatus, and/or other devices to function in a particular manner, such that the computer readable storage medium having instructions stored therein comprises an article of manufacture including instructions which implement aspects of the function/act specified in the flowchart and/or block diagram block or blocks.

The computer readable program instructions may also be loaded onto a computer, other programmable data processing apparatus, or other device to cause a series of operational steps to be performed on the computer, other programmable apparatus or other device to produce a computer implemented process, such that the instructions which execute on the computer, other programmable apparatus, or other device implement the functions/acts specified in the flowchart and/or block diagram block or blocks.

The schematic flowchart diagrams and/or schematic block diagrams in the Figures illustrate the architecture, functionality, and operation of possible implementations of apparatuses, systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the schematic flowchart diagrams and/or schematic block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions of the program code for implementing the specified logical function(s).

It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the Figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. Other steps and methods may be conceived that are equivalent in function, logic, or effect to one or more blocks, or portions thereof, of the illustrated Figures.

Although various arrow types and line types may be employed in the flowchart and/or block diagrams, they are understood not to limit the scope of the corresponding embodiments. Indeed, some arrows or other connectors may be used to indicate only the logical flow of the depicted embodiment. For instance, an arrow may indicate a waiting or monitoring period of unspecified duration between enumerated steps of the depicted embodiment. It will also be noted that each block of the block diagrams and/or flowchart diagrams, and combinations of blocks in the block diagrams and/or flowchart diagrams, can be implemented by special purpose hardware-based systems that perform the specified functions or acts, or combinations of special purpose hardware and program code.

1 FIG. 1 FIG. 100 100 102 104 104 104 102 112 106 108 108 108 110 102 104 106 108 110 102 104 106 108 110 100 b a depicts one embodiment of a systemfor a query interface. In one embodiment, the systemincludes one or more hardware devices, one or more aggregation modules(e.g., a backend aggregation moduleand/or a plurality of aggregation modulesdisposed on the one or more hardware devices) which may comprise one or more query modules, one or more data networksor other communication channels, one or more third-party service providers(e.g., one or more serversof one or more service providers; one or more cloud or network service providers, or the like), and/or one or more backend servers. In certain embodiments, even though a specific number of hardware devices, aggregation modules, data networks, third-party service providers, and/or backend serversare depicted in, one of skill in the art will recognize, in light of this disclosure, that any number of hardware devices, aggregation modules, data networks, third-party service providers, and/or backend serversmay be included in the systemfor a query interface.

102 110 104 112 108 112 102 108 112 108 In certain embodiments, either in a distributed and/or decentralized manner from the hardware devices, or from a central location such as a backend server, an aggregation modulemay comprise a query moduleconfigured to provide a query interface (e.g., from within an internet browser, integrated with a search engine interface, as an artificial intelligence query interface, in a publicly available manner on the internet, to a user, to one or more third-party service providers, or the like). For example, a query modulemay authenticate a user (e.g., within an internet browser, on a hardware deviceof the user, or the like) and in response to authenticating the user, may integrate and/or embed aggregated data from one or more third-party service providersinto an interface for querying and/or accessing other data (e.g., search engine results, publicly available data, internet data, in a response to an artificial intelligence query interface, as training data for an artificial intelligence model, or the like). In certain embodiments, a query modulemay make aggregated data from one or more third-party service providerssearchable and/or otherwise accessible through a search bar and/or another user interface element of an internet search engine website, an internet browser, an artificial intelligence query interface, or the like (e.g., allowing a user to query the user's own aggregated financial transactions, account data, or the like together with other, publicly available data in a secure manner).

112 112 112 A query modulemay index aggregated user data by one or more features or other data elements, making them searchable (e.g., by merchant or other transaction party, by transaction amount, by account balance, by account name or type, by date, by location, by good or service purchased, or the like). A query module, in certain embodiments, may process and/or analyze aggregated user data (e.g., using machine learning or other artificial intelligence) to detect an event, to predict an event, to suggest an action, to provide an insight and/or notification, to respond to a query (e.g., a query regarding personal financial management, a budget, one or more financial transactions, a spending history, a net worth, a merchant, a spending category, and/or another financial subject) or the like to the user in an embedded manner (e.g., within another user interface such as a search engine interface, a URL and/or search box of an internet browser, an artificial intelligence query interface, a social media feed, an email interface, a mobile device interface, an e-commerce website interface, a point of sale interface, or the like). A query module, in some embodiments, may provide and/or display a user interface element allowing a user to expand and/or hide aggregated data, selectively making the aggregated data visible and/or searchable in the interface (e.g., a toggle element, a checkbox, an “X” or other “close” element, a minimize/hide element, or the like).

112 108 112 108 108 In various embodiments, a query modulemay display one or more of a user's previous transactions with a merchant or other party to a transaction in response to the user performing an internet search and/or an artificial intelligence query or the like identifying that merchant or other party, may display an account balance to a user in response to the user selecting the account as a payment source for a transaction, may display account and/or transaction data to a user on a search engine homepage or new browser tab page, or the like, in response to authenticating the user and downloading the data from one or more third-party service providers, or the like. In this manner, in some embodiments, a query modulemay allow a user to query and/or otherwise access data from a third-party service providersecurely in a different location (e.g., a search engine web page, within an internet browser, using an artificial intelligence query interface, or the like), without having to separately login to and/or use an interface of the third-party service provider.

112 112 108 112 112 An artificial intelligence query interface of a query module, in various embodiments, may comprise a machine learning or other artificial intelligence model (e.g., a large language model, a linear regression, a logistic regression, a linear discriminant analysis, a decision tree, a naive Bayes model, a K-nearest neighbors model, learning vector quantization, support vector machines, a random forest, a deep neural network, and/or another model) configured to receive a query (e.g., a natural language question, command, and/or other prompt) and to provide a response. In certain embodiments, a query modulemay base a response to a query received by an artificial intelligence query interface on financial transaction data received from a third-party service provideron behalf of a user (e.g., the query modulemay make personal financial transaction data of a user available to a machine learning or other artificial intelligence model thereby enabling the artificial intelligence query interface to respond to the user with a personal, customized response based on the user's own personal finances and/or financial transactions, or the like). In this manner, in some embodiments, a query moduleand/or an associated artificial intelligence query interface may intelligently assist a user in their personal financial management, budgeting, goal setting, tax return preparation, credit/loan and/or other financial applications, or the like in an accurate and customized manner, unique to the individual user.

100 102 102 102 108 108 110 106 102 In one embodiment, the systemincludes one or more hardware devices. The hardware devices(e.g., computing devices, information handling devices, or the like) may include one or more of a desktop computer, a laptop computer, a mobile device, a tablet computer, a smart phone, a set-top box, a gaming console, a smart TV, a smart watch, a fitness band, an optical head-mounted display (e.g., a virtual reality headset, smart glasses, or the like), an HDMI or other electronic display dongle, a personal digital assistant, and/or another computing device comprising a processor (e.g., a central processing unit (CPU), a processor core, a field programmable gate array (FPGA) or other programmable logic, an application specific integrated circuit (ASIC), a controller, a microcontroller, and/or another semiconductor integrated circuit device), a volatile memory, and/or a non-volatile storage medium. In certain embodiments, the hardware devicesare in communication with one or more serversof one or more third-party service providersand/or one or more backend serversvia a data network, described below. The hardware devices, in a further embodiment, are capable of executing various programs, program code, applications, instructions, functions, or the like.

104 108 112 104 108 108 108 108 108 104 102 102 110 104 102 102 108 102 112 b In one embodiment, an aggregation moduleis configured to determine and/or receive a user's electronic credentials (e.g., username and password, fingerprint scan, retinal scan, digital certificate, personal identification number (PIN), challenge response, security token, hardware token, software token, DNA sequence, signature, facial recognition, voice pattern recognition, bio-electric signals, two-factor authentication credentials, or the like) for one or more third-party service providers(e.g., for a third-party financial account of a user, or the like) and/or for a publicly accessible query interface of the query module(e.g., a search engine, an artificial intelligence query interface, or the like). The aggregation module, in certain embodiments, accesses a serverof a third-party service providerusing a user's electronic credentials to download data associated with the user from the server, such as a user's photos, a user's social media posts, a user's medical records, a user's financial transaction records or other financial data, and/or other data associated with and/or owned by a user but stored by a serverof a third-party service provider(e.g., stored by hardware not owned, maintained, and/or controlled by the user). The aggregation module, in various embodiments, may provide the downloaded data to the user locally (e.g., displaying the data on an electronic display of a hardware device); may provide the downloaded data from the hardware deviceof the user to and/or package the data for a remote server(e.g., a backend aggregation module) or other remote device (e.g., another hardware deviceof the user, a hardware deviceof a different user, or the like) which may be unaffiliated with the third-party service provider; may provide one or more alerts, messages, advertisements, or other communications to the user (e.g., on a hardware device) based on the downloaded data; may provide the data to a query module(e.g., to a search engine, to an artificial intelligence query interface, or the like); or the like on behalf of the user and with the user's consent and permission.

100 104 102 102 104 100 102 100 104 104 104 a b In certain embodiments, the systemincludes a plurality of aggregation modulesdisposed/located on hardware devicesof a plurality of different users (e.g., comprising hardware of and/or executable code running on one or more hardware devices). The plurality of aggregation modulesmay act as a distributed and/or decentralized system, executing across multiple hardware devices, which are geographically dispersed and using different IP addresses, each downloading and/or aggregating data (e.g., photos, social media posts, medical records, financial transaction records, other financial data, and/or other user data) separately, in a distributed and/or decentralized manner. In other embodiments, the systemmay include a single aggregation module, a frontend aggregation moduleand a backend aggregation module, or the like.

102 108 108 108 104 102 104 108 108 104 102 In one embodiment, a hardware devicemay include and/or execute an internet browser, which a user may use to access a serverof a third-party service provider(e.g., by loading a webpage of the third-party service providerin the internet browser). At least a portion of an aggregation module, in certain embodiments, may comprise a plugin to and/or an extension of an internet browser of a user's personal hardware device, or the like. For example, the aggregation modulemay use the same cookies, IP address, saved credentials, or the like as a user would when accessing a serverof a third-party service providerthrough the internet browser. In certain embodiments, the aggregation modulemay support integration with multiple different types of internet browsers (e.g., on different hardware devices).

104 102 104 108 108 In one embodiment, at least a portion of an aggregation modulemay be integrated with or otherwise part of another application executing on a hardware device, such as an internet browser, a personal financial management application (e.g., computer executable code for displaying a user's financial transactions from multiple financial institutions, determining and/or displaying a user's financial budgets and/or financial goals, determining and/or displaying a user's account balances, determining and/or displaying a user's net worth, or the like), a search engine and/or an executable application associated with a search engine, an artificial intelligence query interface and/or an executable application associated with an artificial intelligence query interface, a photo viewer, a medical application, an insurance application, an accounting application, a social media application, or the like, which may use data the aggregation moduledownloads from a serverof a third-party service provider.

104 100 104 102 104 104 104 102 a a a b a In one embodiment, the aggregation modulescomprise a distributed system, with the aggregation modulesand/or the associated hardware devicesdownloading and/or aggregating data substantially independently (e.g., downloading data concurrently or non-concurrently, without a global clock, with independent success and/or failure of components). Distributed aggregation modulesmay pass messages to each other and/or to a backend aggregation module, to coordinate their distributed aggregation of data for users. In one embodiment, the aggregation modulesare decentralized (e.g., hardware devicesassociated with users perform one or more aggregation functions such as downloading data), rather than relying exclusively on a centralized server or other device to perform one or more aggregation functions.

100 104 110 104 108 108 104 104 102 108 108 104 b a b a a In a distributed and/or decentralized system, a central entity, such as a backend aggregation moduleand/or a backend server, in certain embodiments, may still provide, to one or more aggregation modules, one or more messages comprising instructions for accessing a serverof a third-party service providerusing a user's credentials, or the like. For example, a backend aggregation modulemay provide one or more aggregation modulesof one or more hardware deviceswith one or more sets of instructions for accessing a serverof a third-party service, such as a location for entering a user's electronic credentials (e.g., a text box, a field, a label, a coordinate, or the like), an instruction for submitting a user's electronic credentials (e.g., a button to press, a link to click, or the like), one or more locations of data associated with a user (e.g., a row in a table or chart, a column in a table or chart, a uniform resource locator (URL) or other address, a coordinate, a label, or the like), and/or other instructions or information, using which the aggregation modulesmay access and download a user's data.

104 108 108 104 108 108 104 104 104 a b a a a. In a further embodiment, one or more aggregation modulesmay pass messages to each other, such as instructions for accessing a serverof a third-party service providerusing a user's credentials, or the like, in a peer-to-peer manner. In another embodiment, a central entity, such as a backend aggregation module, may initially seed one or more sets of instructions for accessing a serverof a third-party service providerusing a user's credentials to one or more aggregation modules, and the one or more aggregation modulesmay send the one or more sets of instructions to other aggregation modules

104 112 108 108 110 102 108 104 104 102 104 104 102 104 b a b b The one or more aggregation modules, in certain embodiments, may provide an interface (e.g., a search engine interface, a graphical user interface (GUI), an artificial intelligence query interface, an application programming interface (API), a command line interface (CLI), or the like), such as a query module, to provide downloaded and/or aggregated user data from serversof one or more third-party service providersto a user and/or one or more other entities (e.g., a remote serveror other hardware deviceunaffiliated with the third-party service provider, a backend aggregation module, or the like). The interface, in one embodiment, may comprise a private interface between aggregation modulesof users' hardware devicesand one or more backend aggregation modules. For example, this may enable a backend aggregation moduleto provide a user with access to downloaded and/or aggregated user data at multiple locations, on multiple hardware devices, through multiple channels, within an internet browser, integrated in a search engine interface and/or an artificial intelligence query interface, or the like. In another embodiment, the interface comprises a public and/or open interface, which may be secured, allowing a user to share the user's downloaded data from an aggregation moduleto one or more other tools, services, and/or other entities to store, process, and/or otherwise use the data in a secure, privacy-aware manner.

104 104 102 110 104 102 110 104 102 110 In various embodiments, an aggregation modulemay be embodied as hardware, software, or some combination of hardware and software. In one embodiment, an aggregation modulemay comprise executable program code stored on a non-transitory computer readable storage medium for execution on a processor of a hardware device, a backend server, or the like. For example, an aggregation modulemay be embodied as executable program code executing on one or more of a hardware device, a backend server, a combination of one or more of the foregoing, or the like. In such an embodiment, the various modules that perform the operations of an aggregation module, as described below, may be located on a hardware device, a backend server, a combination of the two, or the like.

104 110 102 102 102 102 102 106 102 104 102 106 104 104 In various embodiments, an aggregation modulemay be embodied as a hardware appliance that can be installed or deployed on a backend server, on a user's hardware device(e.g., a dongle, a protective case for a phoneor tabletthat includes one or more semiconductor integrated circuit devices within the case in communication with the phoneor tabletwirelessly and/or over a data port such as USB or a proprietary communications port, or another peripheral device), or elsewhere on the data networkand/or collocated with a user's hardware device. In certain embodiments, an aggregation modulemay comprise a hardware device such as a secure hardware dongle or other hardware appliance device (e.g., a set-top box, a network appliance, or the like) that attaches to another hardware device, such as a laptop computer, a server, a tablet computer, a smart phone, or the like, either by a wired connection (e.g., a USB connection) or a wireless connection (e.g., Bluetooth®, Wi-Fi®, near-field communication (NFC), or the like); that attaches to an electronic display device (e.g., a television or monitor using an HDMI port, a DisplayPort port, a Mini DisplayPort port, VGA port, DVI port, or the like); that operates substantially independently on a data network; or the like. A hardware appliance of an aggregation modulemay comprise a power interface, a wired and/or wireless network interface, a graphical interface (e.g., a graphics card and/or GPU with one or more display ports) that outputs to a display device, and/or a semiconductor integrated circuit device as described below, configured to perform the functions described herein with regard to an aggregation module.

104 104 104 An aggregation module, in such an embodiment, may comprise a semiconductor integrated circuit device (e.g., one or more chips, die, or other discrete logic hardware), or the like, such as a field-programmable gate array (FPGA) or other programmable logic, firmware for an FPGA or other programmable logic, microcode for execution on a microcontroller, an application-specific integrated circuit (ASIC), a processor, a processor core, or the like. In one embodiment, an aggregation modulemay be mounted on a printed circuit board with one or more electrical lines or connections (e.g., to volatile memory, a non-volatile storage medium, a network interface, a peripheral device, a graphical/display interface. The hardware appliance may include one or more pins, pads, or other electrical connections configured to send and receive data (e.g., in communication with one or more electrical lines of a printed circuit board or the like), and one or more hardware circuits and/or other electrical circuits configured to perform various functions of an aggregation module.

104 104 The semiconductor integrated circuit device or other hardware appliance of an aggregation module, in certain embodiments, comprises and/or is communicatively coupled to one or more volatile memory media, which may include but is not limited to: random access memory (RAM), dynamic RAM (DRAM), cache, or the like. In one embodiment, the semiconductor integrated circuit device or other hardware appliance of an aggregation modulecomprises and/or is communicatively coupled to one or more non-volatile memory media, which may include but is not limited to: NAND flash memory, NOR flash memory, nano random access memory (nano RAM or NRAM), nanocrystal wire-based memory, silicon-oxide based sub-10 nanometer process memory, graphene memory, Silicon-Oxide-Nitride-Oxide-Silicon (SONOS), resistive RAM (RRAM), programmable metallization cell (PMC), conductive-bridging RAM (CBRAM), magneto-resistive RAM (MRAM), dynamic RAM (DRAM), phase change RAM (PRAM or PCM), magnetic storage media (e.g., hard disk, tape), optical storage media, or the like.

106 106 106 106 106 106 The data network, in one embodiment, includes a digital communication network that transmits digital communications. The data networkmay include a wireless network, such as a wireless cellular network, a local wireless network, such as a Wi-Fi network, a Bluetooth® network, a near-field communication (NFC) network, an ad hoc network, or the like. The data networkmay include a wide area network (WAN), a storage area network (SAN), a local area network (LAN), an optical fiber network, the internet, or other digital communication network. The data networkmay include two or more networks. The data networkmay include one or more servers, routers, switches, and/or other networking equipment. The data networkmay also include one or more computer readable storage media, such as a hard disk drive, an optical drive, non-volatile memory, RAM, or the like.

108 108 108 108 108 The one or more third-party service providers, in one embodiment, may include one or more network accessible computing systems such as one or more web servers hosting one or more web sites, an enterprise intranet system, an application server, an application programming interface (API) server, an authentication server, or the like. The one or more third-party service providersmay include systems related to various institutions or organizations. For example, a third-party service providermay include a system providing electronic access to a financial institution, a university, a government agency, a utility company, an email provider, a social media site, a photo sharing site, a video sharing site, a data storage site, a medical provider, or another entity that stores data associated with a user. A third-party service providermay allow users to create user accounts to upload, view, create, and/or modify data associated with the user. Accordingly, a third-party service providermay include an authorization system, such as a login element or page of a web site, application, or similar front-end, where a user can provide credentials, such as a username/password combination, to access the user's data.

110 104 104 104 110 104 104 108 110 102 108 110 104 104 104 104 b a b a a 2 FIG. 3 FIG. 4 FIG. In one embodiment, the one or more backend serversand/or one or more backend aggregation modulesprovide central management of the networked swarm of aggregation modules. For example, the one or more backend aggregation modulesand/or a backend servermay store downloaded user data from the aggregation modulescentrally, may provide instructions for the aggregation modulesto access user data from one or more third-party service providersusing user credentials, or the like. A backend servermay include one or more servers located remotely from the hardware devicesand/or the one or more third-party service providers. A backend servermay include at least a portion of the modules or sub-modules described below with regard to the aggregation modulesof,, and/or, may comprise hardware of an aggregation module, may store executable program code of an aggregation modulein one or more non-transitory computer readable storage media, and/or may otherwise perform one or more of the various operations of an aggregation moduledescribed herein in order to aggregate user data from one or more third-party service providers in a distributed manner.

2 FIG. 104 104 112 202 204 206 depicts one embodiment of an aggregation module. In the depicted embodiment, the aggregation moduleincludes a query module, an authentication module, a direct access module, and an interface module.

202 108 102 202 104 104 a b In one embodiment, the authentication modulereceives a user's electronic credentials for a third-party service providerand/or for a query interface from the user on a hardware deviceof the user. In cooperation with one or more authentication modules, the aggregation modules,, in certain embodiments, may communicate with each other using a secure and/or encrypted protocol, and/or may store electronic credentials in a secure and/or encrypted manner, so that a user may not see and/or access another user's electronic credentials, downloaded data, or other private and/or sensitive data.

104 202 202 102 In embodiments where an aggregation modulecomprises hardware (e.g., a semiconductor integrated circuit device such as an FPGA, an ASIC, or the like), the authentication modulemay comprise dedicated security hardware for storing and/or processing electronic credentials, downloaded data, and/or other sensitive and/or private data, such as a secure cryptoprocessor (e.g., a dedicated computer on a chip or microprocessor embedded in a packaging with one or more physical security measures) which does not output decrypted data to an unsecure bus or storage, which stores cryptographic keys, a secure storage device; a trusted platform module (TPM) such as a TPM chip and/or TPM security device; a secure boot ROM or other type of ROM; an authentication chip; or the like. In another embodiment, the authentication modulemay store and/or process electronic credentials, downloaded data, and/or other sensitive data in a secure and/or encrypted way using software and/or hardware of a user's existing hardware device(e.g., encrypting data in RAM, NAND, and/or other general purpose storage) with or without dedicated security hardware.

202 In one embodiment, as described above, electronic credentials may comprise one or more of a username and password, fingerprint scan, retinal scan, digital certificate, personal identification number (PIN), challenge response, security token, hardware token, software token, DNA sequence, signature, facial recognition, voice pattern recognition, bio-electric signals, two-factor authentication credentials, or other information whereby the authentication modulemay authenticate and/or validate an identity of and/or an authorization of a user.

202 108 104 108 306 202 108 3 FIG. The authentication module, in certain embodiments, may receive different credentials from a user for different accounts of the user with different third-party service providers(e.g., different social networks, different photo sharing sites, different financial institutions) and/or query interfaces (e.g., search engines, artificial intelligence query interfaces, or the like) so that the aggregation modulemay download, aggregate, and/or combine the user's data from the multiple different third-party service providers. In one embodiment, as described below with regard to the password manager moduleof, the authentication module, instead of and/or in addition to receiving one or more passwords or other electronic credentials from a user, may manage and/or determine one or more passwords or other electronic credentials for a user for one or more third-party service providers.

202 108 202 108 202 202 For example, in certain embodiments, the authentication modulemay receive an initial set of electronic credentials (e.g., a username and a password) from a user for an account of the user with a third-party service providerand/or for a query interface, and the authentication modulemay use the initial set of electronic credentials to access the user's account with the third-party service providerand/or the query interface to set a new password, determined by the authentication module. The authentication module, in one embodiment, may determine passwords or other electronic credentials that are more secure than those typically created by and/or memorable to a user (e.g., longer, more numbers, greater variation between capital and lowercase letters, more frequently changed, or the like).

204 108 108 102 110 202 204 108 108 102 110 204 102 In one embodiment, the direct access moduleaccesses one or more serversof one or more third-party service providers, from a hardware deviceof a user and/or from a backend server, using a user's electronic credentials from the authentication module. The direct access module, in certain embodiments, downloads data associated with a user (e.g., a user's social media posts, a user's photos, a user's financial transactions, or the like) from one or more serversof one or more third-party service providersto a hardware deviceof a user and/or to a backend serverassociated with the direct access module, instead of or in addition to downloading the data directly to a hardware deviceof the user.

204 108 108 204 108 108 108 204 108 108 108 308 204 108 The direct access module, in certain embodiments, may use a token-based API of a serverof a third-party service providerto access the data of the user. The direct access module, in a further embodiment, may use a webpage interface of a serverof a third-party service providerto access the serverusing a user's electronic credentials and/or to download data associated with the user (e.g., if an API is not available, or the like). For example, in certain embodiments, the direct access modulemay download/load a webpage from a serverof a third-party service provider, enter a username and password or other electronic credentials for a user into textboxes in a form on the webpage, submit the username and password or other electronic credentials using a submit button or other interface element of the webpage, and/or otherwise submit electronic credentials using a website to gain authorized access to data on the serverassociated with the user. As described below, the pattern modulemay receive and/or provide instructions enabling the direct access moduleto access a server(e.g., a location or method for submitting electronic credentials, or the like).

108 108 204 108 102 110 308 204 108 108 204 308 108 In response to successfully authenticating with and accessing a serverof a third-party service providerwith a user's electronic credentials, the direct access modulemay download data associated with the user (e.g., from a user's account or the like) from the server, to a hardware deviceassociated with the user, to a backend server, or the like. As described below, in certain embodiments, the pattern modulemay receive and/or provide instructions enabling the direct access moduleto download data associated with a user from a serverof a third-party service provider(e.g., a URL or other link to a location for the data, a label or other identifier for locating the data within one or more webpages or other data structures, or the like). The direct access module, in certain embodiments, may follow instructions from a pattern moduleto authenticate and/or access data from one or more webpages from a serverin a screen scraping manner, parsing one or more webpages to locate an entry location and/or submit electronic credentials; to locate, download, and/or extract data associated with a user; or the like (e.g., if an API is not available, or the like).

204 108 108 204 108 108 108 108 204 108 In one embodiment, the direct access modulesends or otherwise submits electronic credentials and/or receives or otherwise downloads data using an API or other access protocol of a serverof a third-party service provider. For example, the direct access modulemay send a request in a format specified by and/or compatible with a server(e.g., an API server) of a third-party service provider. The sent request may comprise electronic credentials for a user or a portion thereof (e.g., a token, a username and/or a password, or the like), a subsequent request may comprise electronic credentials for a user or a portion thereof (e.g., in response to receiving an acknowledgment from the serverfor the first request, or the like), and/or the direct access modulemay use a different access protocol of a server.

204 204 108 108 108 204 204 108 108 106 108 108 106 108 108 108 In response to a request for data from the direct access module(e.g., in response to the direct access moduleauthenticating a user using an access protocol of a server), a serverof a third-party service providermay send and/or return data associated with a user (e.g., in one or more messages, packets, payloads, as a URL or other pointer to a location from where the direct access modulemay retrieve the data, or the like). The direct access module, in various embodiments, may receive data associated with a user directly from a serverof a third-party service providerover a data network; may receive a pointer, URL or other link to a location of data associated with a user from a serverof a third-party service provider; may receive data associated with a user from another entity on a data network(e.g., in response to a request from the serverof the third-party service providerto the other entity or the like); or may otherwise receive data associated with a user according to an access protocol of a third-party service provider.

108 204 204 108 108 204 108 108 204 108 108 108 In one embodiment, a third-party service providerprovides a direct access modulewith an API or other access protocol. In a further embodiment, a direct access modulemay act as a wrapper for and/or a plugin or extension of, an application of a third-party service provider(e.g., a mobile application), and the application may have access to an API or other access protocol of the third-party service provider. In another embodiment, a direct access modulemay be configured to use an API or other access protocol in a same manner as an application of a third-party service provider(e.g., a mobile application), through observation of the application of the third-party service provideror the like. In certain embodiments, a direct access modulemay cooperate with an application of a third-party service provider, a web browser through which a user accesses services of a third-party service provider, or the like to access data associated with a user (e.g., accessing data already downloaded by an application and/or user, accessing a database or other data store of an application and/or web browser, scanning and/or screen scraping a web page of a third-party service provideras a user accesses the web page, or the like).

204 108 108 204 204 108 110 110 104 204 110 108 206 206 108 The direct access module, in certain embodiments, may access different third-party service providersin different manners. For example, a first third-party service providermay grant the direct access modulewith access to an API or other access protocol, while the direct access modulemay use a web page interface (e.g., screen scraping) to access and download data from a second third-party service provider, or the like. In one embodiment, a remote backend servermay be associated with a first party service provider(e.g., a vendor and/or provider of an aggregation module) and the direct access modulemay download data associated with a user from both the first party service providerand from one or more third-party service providers, aggregating the data together so that the user may access the data in a single interface and/or application (e.g., embedded within the same query interface, or the like). For example, as described below with regard to the interface module, the interface modulemay embed financial transaction data from multiple accounts in results/responses of the same query interface, may provide a user access to the user's photos from multiple third-party cloud storage providerswithin a single photo application, may provide a user with access to the user's personal financial information within a single personal financial management application and/or online banking application, may provide a user with access to posts from multiple social networks within a single social networking application, or the like.

204 108 204 102 110 108 108 The direct access module, in certain embodiments, may store downloaded and/or aggregated data independently from the one or more third-party service providers. For example, the direct access modulemay store a user's downloaded and/or aggregated data on a hardware deviceof the user, on a backend serveraccessible by the user, or the like. In this manner, in certain embodiments, a user may control and/or access the user's data, even if a third-party service providercloses down or is not available, may use the user's data in any manner desired by the user even if the use is not supported by a third-party service provider, or the like.

204 108 108 204 102 110 102 204 108 204 The direct access module, in one embodiment, in addition to and/or instead of downloading data from one or more third-party service providers, may upload data to and/or change one or more settings of one or more third-party service providers, in response to user input or the like. For example, in embodiments where the data comprises photos, the direct access modulemay upload a photo from a hardware deviceof the user to one or more third-party service providers(e.g., a downloaded photo that the user has edited on the hardware deviceor the like). In embodiments where the data comprises social media posts or other content, the direct access modulemay receive input from a user (e.g., a photo, a textual post, one or more emoji, a video, a document or other file, or the like) and upload the received input to one or more third-party service providers(e.g., social media sites or the like). In embodiments where the data comprises financial transactions or other financial data, the direct access modulemay schedule a bill pay or other payment or funds transfer, remotely deposit a check (e.g., by uploading photos of the front and/or back of the check, or the like), and/or perform another action.

204 108 108 204 108 108 108 108 The direct access modulemay update or change a user's account information with a third-party service provider, such as an account type or plan, credit card or other payment information associated with an account, a phone number or address or other contact information associated with an account, a password or other electronic credentials for an account, and/or other account information of a user for a third-party service provider. The direct access modulemay update and/or upload data in a substantially similar manner to that described herein for downloading data (e.g., determining a user's electronic credentials for a third-party service provider, accessing a serverof the third-party service provider, uploading and/or providing data to the third-party service provider, or the like).

206 204 102 112 110 102 108 206 112 102 104 110 108 102 b In one embodiment, the interface moduleprovides a user's data downloaded by the direct access module, from a hardware deviceof a user to another entity, such as a query moduleassociated with a search engine, artificial intelligence query interface, and/or another query interface; a remote serveror other remote deviceunaffiliated with (e.g., not owned by, operated by, controlled by, or the like) the third-party service providerfrom which the data was downloaded; or the like. For example, the interface modulemay provide an API or other interface to provide a user's downloaded and/or aggregated data to a query module, a query interface, a hardware deviceof the user, to a backend aggregation module, to a backend server, to a different third-party service provider, to a different/second hardware deviceof the user, or the like.

206 102 206 102 102 102 110 In certain embodiments, the interface moduleprovides a graphical user interface (GUI) on a hardware deviceof a user, and provides downloaded data associated with the user to the user through the GUI (e.g., embedded with query results, allowing the user to view the data directly, providing one or more notifications and/or recommendations to the user based on the data, providing one or more tables or charts to the user based on the data, providing a summary of or one or more statistics related to the data, or the like). The interface module, in various embodiments, may provide a GUI to the user from the same hardware deviceto which the data was downloaded, on a different hardware devicethan the hardware device,to which the data was downloaded, or the like.

206 108 206 206 108 For example, in one embodiment, where the data associated with a user comprises photos, the interface modulemay provide a photo management interface, a photo editing interface, or the like wherein the user may view and/or otherwise access the user's downloaded and/or aggregated photos. In a further embodiment, where the data associated with a user comprises the user's financial transaction history (e.g., purchases and/or other financial transactions downloaded from one or more financial institutionssuch as banks, credit unions, lenders, or the like), the interface modulemay provide a query interface, a personal financial management interface, with a list of transactions, one or more budgets, one or more financial goals, a debt management interface, a net worth interface, and/or another personal financial management interface wherein the user may view the user's downloaded and/or aggregated financial transaction history, and/or alerts or recommendations based thereon. In another embodiment, where the data associated with a user comprises social media posts, the interface modulemay provide a GUI comprising a stream, feed, and/or wall of social media posts for the user to view (e.g., downloaded and/or aggregated social media posts from multiple social networks, from different contacts or friends of the user, or the like).

206 102 110 206 102 108 108 104 102 The interface module, in certain embodiments, may provide one or more access controls to a user, allowing the user to define which devices, users, third-party service providers, or the like may access which data. For example, the interface modulemay provide an interface for a user to allow and/or restrict certain mobile applications, certain APIs for third-party services, certain plugins or extensions, certain users, certain hardware devices, and/or one or more other entities to access data downloaded for the user from one or more third-party service providers(e.g., with access controls by third-party service provideror other data source, by data type, by entity requesting access, and/or at another granularity). In this manner, the aggregation module, in certain embodiments, may comprise a local repository of aggregated data, which one or more other devicesand/or services may access and use, with a user's permission.

3 FIG. 104 104 112 202 204 206 314 316 318 202 302 304 306 204 308 310 312 depicts another embodiment of an aggregation module. In the depicted embodiment, the aggregation moduleincludes a query module, an authentication module, a direct access module, and an interface moduleand further includes a route module, a frequency module, and a test module. The authentication module, in the depicted embodiment, includes a local authentication module, a network authentication module, and a password manager module. The direct access module, in the depicted embodiment, includes a pattern module, an access repair module, and a hierarchy module.

302 102 102 302 102 102 302 206 302 104 104 In one embodiment, the local authentication modulesecures and/or authenticates the user's access to downloaded data, to stored passwords, and/or other data on a user's hardware device, transferred to and/or from a user's hardware device, or the like. For example, the local authentication modulemay cooperate with one or more security and/or authentication systems of the user's hardware device, such as a PIN, password, fingerprint authentication, facial recognition, or other electronic credentials used by the user to gain access to the hardware device. In a further embodiment, the local authentication modulemay authenticate a user before allowing the interface moduleto provide the user access to downloaded/aggregated data and/or alerts or other messages. For example, the local authentication modulemay manage and/or access electronic credentials associated with the aggregation module, for a user, and may authenticate the user in response to the user accessing an application and/or service of the aggregation module.

302 102 102 110 302 102 110 106 102 110 102 110 302 102 106 110 102 In certain embodiments, the local authentication modulemay encrypt and/or otherwise secure, on a user's hardware device, electronic credentials and/or downloaded data associated with a different user, so that the user may not access data associated with the different user, but the different user may access the data once it is transmitted to a hardware deviceof the different user, to a backend server, or the like. Local authentication modulesof different hardware devices,may cooperate to securely transfer data (e.g., one or more electronic credentials, downloaded data, or the like) over the data network, from one hardware device,to another hardware device,. In a further embodiment, the local authentication modulemay ensure that a user's electronic credentials and/or downloaded data remain on a single hardware device(e.g., are not transmitted on a data network), in a secure repository or the like, and are not stored on and/or accessible to a backend server, a hardware deviceof another user, or the like.

304 108 102 110 304 102 110 304 204 108 108 304 204 108 304 108 In one embodiment, the network authentication modulereceives and/or stores a user's electronic credentials for one or more third-party service providerson a hardware deviceof the user, on a backend server, or the like. The network authentication module, in various embodiments, may receive a user's electronic credentials from the user, from a hardware deviceof the user, from a backend server, or the like. The network authentication modulemay cooperate with the direct access moduleto provide a user's electronic credentials to a serverof a third-party service provider(e.g., the network authentication modulemay provide electronic credentials to the direct access moduleto provide to a server, the network authentication modulemay provide electronic credentials directly to a server, or the like).

304 302 108 102 106 102 110 108 108 304 102 102 108 108 110 102 304 108 110 102 204 102 314 304 302 102 110 The network authentication module, in certain embodiments, may cooperate with the local authentication moduleto encrypt and/or otherwise secure a user's electronic credentials for one or more third-party service providers, on a hardware deviceof a user, on a data network, on a hardware deviceof a different user, on a backend server, while being provided to a serverof a third-party service provider, or the like. In a further embodiment, the network authentication moduleensures that a user's electronic credentials are only stored on a user's hardware deviceand sent from the user's hardware deviceto a serverof a third-party service provider, and does not store a user's electronic credentials on a backend server, on a different user's hardware device, or the like. In another embodiment, the network authentication modulemay securely store (e.g., using secure encryption) a user's electronic credentials for a third-party service provideron a backend server, on a different user's hardware device, or the like, so that a direct access modulemay access and/or download data associated with the user, even if the hardware deviceof the user is unavailable, blocked, or the like, as described below with regard to the route module. In certain embodiments, whether the network authentication moduleand/or the local authentication moduleallow electronic credentials to be sent to and/or stored by a different user's hardware device, a backend server, or the like may be based on a setting defined based on user input, so that the user may decide a level of security, or the like.

306 108 204 108 306 108 In one embodiment, the password manager modulemay manage and/or store electronic credentials of a user for a plurality of third-party service providers, so that the direct access modulemay access and/or download data associated with the user from each of the plurality of third-party service providers. The password manager module, in certain embodiments, may generate and/or otherwise manage different, secure, credentials for each of a plurality of third-party service providers.

306 102 204 108 306 306 108 108 The password manager module, in one embodiment, may securely store generated credentials for a user on a hardware deviceof the user, so that the user does not have to remember and enter the generated electronic credentials. For example, in addition to allowing a direct access moduleto access a third-party service providerusing generated electronic credentials, the password manager modulemay automatically populate one or more interface elements of a form on a webpage with electronic credentials (e.g., a username, a password) of the user, in response to the user visiting the web page in a web browser, or the like, without the user manually entering the electronic credentials. The password manager module, in certain embodiments, may periodically update (e.g., regenerate different credentials, such as a different password, and update the user's account with the third-party service providerwith the regenerated different credentials) electronic credentials for a user, such as every week, every month, every two months, every three months, every four months, every five months, every six months, every year, every two years, in response to a user request, in response to a request from a third-party service provider, and/or over another time period or in response to another periodic trigger.

306 306 102 306 306 306 102 The password manager module, in one embodiment, may synchronize a user's electronic credentials (e.g., provided by the user, generated by the password manager module, or the like) across different hardware devices, web browsers, or the like of a user. For example, in response to a password manager moduleand/or the user updating or otherwise changing electronic credentials, the password manager modulemay propagate the update/change to one or more other password manager modules, on different hardware devicesof the user, or the like.

308 108 108 204 204 108 108 308 204 108 204 108 In one embodiment, the pattern moduledetermines an ordered list (e.g., a pattern, a script, or the like) of multiple locations on one or more serversof a third-party service providerfor the direct access moduleto access the server (e.g., which may include locations other than where the data of the user is stored and/or accessible), one or more delays for the direct access moduleto wait between accessing locations on the server, and/or other components of an access pattern for accessing data of a server. Locations, in certain embodiments, comprise independently addressable and/or accessible content and/or assets provided by one or more servers of a third-party service provider, or the like, such as webpages, portions of a webpage, images or other data files, databases or other data stores, pages or sections of a mobile application, or the like. The pattern module, in one embodiment, determines a pattern/ordered list that contains one or more locations and/or delays that are not necessary for the direct access moduleto access or use in order to download desired data, but instead, the pattern/ordered list may make it difficult or impossible for the third-party service providerto distinguish between the direct access moduleaccessing a server of the third-party service providerand a user accessing the server of the third-party service provider.

308 108 308 108 308 204 108 The pattern module, in one embodiment, may determine and/or select the multiple locations and/or the one or more delays (e.g., a pattern/ordered list) based on an average pattern or a combined pattern identified in or based on behavior of multiple users accessing a third-party service providerusing a web browser, a mobile application, or the like. The pattern module, in one embodiment, may monitor one or more users (e.g., for a predetermined period of time or the like) as they access a server of a third-party service provider, tracking which links, data, webpages, and/or other locations the one or more users access, how long the one or more users access different locations, an order in which the one or more users access locations, or the like. In certain embodiments, the one or more monitored users may be volunteers, who have provided the pattern modulewith authorization to temporarily or permanently monitor the users' access, in order to provide a more realistic access pattern for the direct access moduleto use to access a server of a third-party service provider.

308 102 308 102 308 102 106 108 102 308 108 102 In a further embodiment, the pattern moduledetermines and/or selects multiple locations and/or one or more delays between accessing different locations based on a pattern identified in behavior of the user associated with the hardware deviceon which the pattern moduleis disposed, accessing the third-party service using a web browser, a mobile or desktop application, or other interface of the user's hardware device. For example, the pattern modulemay comprise network hardware of the user's hardware device(e.g., a network access card and/or chip, a processor, an FPGA, an ASIC, or the like in communication with the data networkto monitor data and/or interactions with a server of a third-party service provider), a web browser plugin or extension, a mobile and/or desktop application executing on a processor of the user's hardware device, or the like. The pattern modulemay request and receive authorization from the user to monitor the user's activity with regard to one or more servers of one or more third-party service providersfrom the user's hardware device.

308 308 310 108 108 The pattern module, in certain embodiments, may update a pattern/ordered list over time, based on detected changes in access patterns of one or more users or the like. In one embodiment, the pattern modulemay coordinate and/or cooperate with the access repair module, described below, to update a pattern/ordered list in response to a serverof a third-party service providerand/or data associated with a user becoming broken and/or inaccessible.

310 108 108 310 310 310 102 In one embodiment, the access repair moduledetects that access to a serverof a third-party serviceand/or data associated with a user is broken and/or becomes inaccessible. The access repair module, in certain embodiments, provides an interface to a user allowing the user to graphically identify an input location for the user's electronic credentials, a location of data associated with the user, or the like. For example, the access repair modulemay provide a GUI, a command line interface (CLI), an API, and/or another interface allowing an end user to identify an input location for electronic credentials, an action for submitting electronic credentials, a location of data, or the like. The access repair module, in one embodiment, provides an interface to a user on a hardware deviceof the user.

310 108 102 310 108 102 106 In certain embodiments, for example, the access repair modulemay overlay an interface over one or more pages of a website of a third-party service provideron an electronic display screen of a user's hardware device. The access repair modulemay provide one or more interfaces (e.g., GUIs, CLIs, APIs, overlays, or the like) to multiple users, allowing multiple users to define a repair and/or update for access to a server of a third-party service provider(e.g., in a distributed and/or decentralized manner, from different hardware devicesor the like over a network).

310 504 504 310 108 The access repair module, in certain embodiments, may determine and/or display one or more suggestionsand/or recommendationsfor the user, which the user may either confirm or change/correct (e.g., in a basic interface, a standard interface, a beginning user interface, or the like). For example, the access repair modulemay display one or more interface elements with a suggested location for a user to enter a user name, a suggested location for a user to enter a password, a suggested credential submit action, a suggested location of data associated with the user, and/or one or more other interface elements allowing a user to graphically identify one or more locations within a website of a third-party service provider.

310 108 310 310 The access repair module, in certain embodiments, processes one or more pages of and/or other locations on a server(e.g., one or more websites, web apps, or the like) to determine an estimate and/or prediction of an input location for a user's electronic credentials, an action for submitting a user's electronic credentials, a location of data associated with a user, or the like. In one embodiment, the access repair modulemay estimate one or more locations and/or actions (e.g., by scanning and/or parsing one or more pages of a website, based on input from other users accessing one or more pages of a website, based on previous interactions of the user with one or more pages of a website, a prediction made using a machine learning and/or artificial intelligence analysis of a website, based on a statistical analysis of historical changes to one or more pages of a website and/or of one or more similar websites, or the like). The access repair modulemay display to a user in an interface an estimate and/or prediction of an input location for the user's electronic credentials, a location of data associated with the user, or the like so that the user may confirm whether or not the estimate and/or prediction is correct using the interface.

310 310 310 The access repair modulemay indicate one or more estimated locations and/or actions with an arrow or other pointer to a location; a link or other identifier of a location; a box or other highlighting around a location; by altering text labeling for a location to make the text bold, italic, and/or underlined; or the like. A user, in certain embodiments, may click, select, or otherwise identify a location to either confirm or change/correct a location suggested by the access repair module. For example, a user may click or otherwise select an interface element associated with a location and/or action and may click or otherwise select the location and/or perform the action, which the access repair modulemay record (e.g., automatically populating a text field identifying the location and/or action, recording a macro allowing the action to be automatically repeated without the user, for a different user, or the like).

310 310 In certain embodiments, instead of or in addition to a standard, basic, or beginning user interface, the access repair modulemay provide an advanced interface, for experienced users or the like, with source code of a website and/or other details of the website. For example, in one embodiment, an advanced access repair interface may allow one or more advanced users to identify one or more locations and/or actions within source code of a website, which may not be visible and/or readily apparent in the website itself. In certain embodiments, the access repair modulemay provide a user interface element allowing a user to select and/or toggle between a standard user interface or view and an advanced user interface or view.

318 310 108 318 108 108 310 In one embodiment, the test modulecooperates with the access repair moduleto verify whether or not one or more received locations and/or instructions from a user are accurate (e.g., usable to access data from a server of a third-party service provider). The test module, in certain embodiments, attempts to access a serverof a third-party service providerfor a plurality of different users (e.g., a sample group or test set), based on an identification the access repair modulereceived from a single user, using electronic credentials of the different users or the like.

318 318 108 310 102 318 102 106 318 102 106 318 110 The test module, in certain embodiments, determines whether data associated with the different users (e.g., a sample group or test set) is accessible using the identification from the single user. The test modulemay repeatedly attempt to access data from a third-party service providerusing identifications which the access repair modulereceived from different users (e.g., on different hardware devicesand sent to the test moduleon a single hardware deviceover the data network, sent to multiple test moduleson different hardware devicesover the data network, sent to a test moduleon a central backend server, or the like).

318 204 318 108 108 108 318 The test module, in one embodiment, provides one or more identifications from a user to other instances of the direct access module(e.g., other test modules) for accessing a serverof a third-party service providerin response to an amount of the different users (e.g., a sample group or test set) for which data is accessible using the identification from the single user satisfying a threshold. For example, if the identification from the single user successfully allows a predefined number of other test users (e.g., 2 users, 10 users, 100 users, 1000 users, 50% of test users, 75% of test users, and/or another predefined threshold number of test users) to access their data from a third-party service provider, the test modulemay provide instructions based on the identification to more users (e.g., all or substantially all users, or the like).

318 318 108 318 108 108 312 In certain embodiments, the test modulemay successively increase a test size comprising a number of users to which the test moduleprovides instructions for accessing their data from a third-party service providerusing an identification from a single user (e.g., starting with one or more test users, increasing to two or more, three or more, four or more, five or more, ten or more, twenty or more, thirty or more, forty or more, fifty or more, one hundred or more, five hundred or more, one thousand or more, five thousand or more, ten thousand or more, one hundred thousand or more, a million or more, and/or other successively increasing numbers of test users). The test module, in one embodiment, includes instructions based on an identification from a single user in an ordered list of multiple different sets of instructions for accessing a serverof a third-party service provider, as described in greater detail below with regard to the hierarchy module.

318 110 104 318 The test module, in certain embodiments, is configured to prioritize identifications from one or more users based on one or more trust factors for the one or more users (e.g., scores or the like). A trust factor, in one embodiment, may comprise a score or other metadata indicating a likelihood that a user's identification is correct. For example, in various embodiments, a trust factor may include and/or be based on one or more of a history of a user's previous identifications (e.g., correct or incorrect), a user's affiliation with a provider (e.g., a creator, a vendor, an owner, a seller, a reseller, a manufacturer, the backend server, or the like) of the one or more aggregation modules, positive and/or negative indicators (e.g., votes, likes, uses, feedback, stars, endorsements, or the like) from other users, and/or other indicators of whether or not a user's identification is likely to be correct. The test modulemay determine how many other users to provide a user's identification based on one or more trust factors associated with the user (e.g., accelerating a rate at which a user's identification is provided to other users in response to a higher trust factor, decreasing a rate at which a user's identification is provided to other users in response to a lower trust factor, or the like).

318 318 The test modulemay provide an override interface, allowing an administrator, moderator user, or the like to remove an identification, adjust and/or override an identification, adjust and/or override a trust factor for a user, ban a user from providing identifications, and/or otherwise override a user or a user's identification. In various embodiments, the test modulemay provide an override interface to an administrator and/or moderator as a GUI, an API, a CLI, or the like.

318 104 In certain embodiments, the test modulecauses the one or more aggregation modulesand their aggregation services to be self-healing, self-testing, and/or self incrementally deploying, as it tests and uses the most effective solutions, or the like (e.g., sets of instructions based on indications from one or more users).

312 204 108 108 In one embodiment, the hierarchy moduleprovides the direct access modulewith an ordered list of multiple different sets of instructions for accessing a serverof a third-party service providerusing a user's electronic credentials, for downloading data associated with the user, or the like. Each different set of instructions, in certain embodiments, comprises a location for entering a user's electronic credentials, an instruction for submitting the user's electronic credentials, one or more locations of the data associated with the user, or the like.

312 110 104 110 102 104 102 318 312 102 312 102 b a The hierarchy module, in one embodiment, may receive one or more sets of instructions from a backend server(e.g., a backend aggregation moduleof a backend server), from another user hardware devicein a peer-to-peer manner (e.g., an aggregation moduleof a user hardware device), from a test module, or the like. The hierarchy module, in certain embodiments, may receive multiple different sets of instructions already in an ordered list (e.g., a global hierarchical order) based on a history of successful and/or unsuccessful uses of the different sets of instructions by different user hardware devicesand/or users, or the like. In one embodiment, the hierarchy modulemay determine a hierarchy for and/or create an ordered list from multiple different sets of instructions for a single user (e.g., a custom or individualized hierarchy) based on a history of successful and/or unsuccessful uses of the different sets of instructions by the user (e.g., from one or more hardware devicesof the user).

104 108 108 104 108 312 312 102 108 204 108 312 108 108 102 102 102 The direct access module, in one embodiment, may iterate through an ordered list of multiple sets of instructions for accessing a serverof a third-party service provider, in the order of the list, until one of the sets of instructions is successful and the direct access moduleis able to access and/or download data from the third-party service provider. The hierarchy module, in one embodiment, may place a most recent successfully used set of instructions at the top (e.g., as the first set to try). For example, the hierarchy modulefor a user's hardware devicemay place a set of instructions for accessing a third-party service providerat the top of a list (e.g., adjusting an order of the list over time) in response to the direct access modulesuccessfully accessing and/or downloading data from the third-party service providerusing the set of instructions. In certain embodiments, the hierarchy modulemay receive an ordered list of multiple different sets of instructions for accessing a serverof a third-party service providerin a first order (e.g., a global order) and may dynamically adjust and/or rearrange the different sets of instructions over time based on a single user's/hardware device's use (e.g., moving a set of instructions up in the list if access using the set of instructions is successful for the user/hardware device, moving a set of instructions down in the list if access using the set of instructions is unsuccessful for the user/hardware device, or the like).

312 312 102 106 102 104 110 108 108 b The hierarchy module, in certain embodiments, may be configured to share one or more sets of instructions, an ordered list of multiple sets of instructions, or the like with a hierarchy moduleof another user's hardware deviceover a data network(e.g., directly to the other user's hardware devicein a peer-to-peer manner, indirectly by way of a backend aggregation moduleof a backend server, or the like). Different sets of instructions may be successful or unsuccessful for different users, in various embodiments, due to different account types, different account settings, different originating systems (e.g., due to a corporate acquisition or the like, different users of the same third-party service providermay have one or more different settings, different access methods, or the like), system changes or upgrades, and/or another difference in accounts, services, or the like for different users of the same third-party service provider.

314 102 204 108 108 314 108 108 110 108 110 314 102 314 108 108 108 102 110 In one embodiment, the route moduledetermines whether a hardware deviceof a user is available for the direct access moduleto download data associated with the user from a serverof a third-party service provider. The route module, in certain embodiments, may access a serverof a third-party service provider, from a remote backend server, using the user's electronic credentials, to download data associated with the user from the serverto the remote backend serverin response to the route moduledetermining that the hardware deviceof the user is unavailable. The route module, in one embodiment, provides a user one or more alerts (e.g., downloaded data from a third-party service provider, a recommendation or suggestion determined based on data from a third-party service provider, a notification or other alert based on an event or other trigger detected in data from a third-party service provider, or the like) on a hardware deviceof the user based on the data associated with the user downloaded to the remote backend server.

314 102 102 106 314 108 108 102 102 314 108 102 102 110 In certain embodiments, the route modulemaintains and/or stores a list of multiple hardware devicesassociated with a single user and/or account. In response to determining that one hardware deviceassociated with a user and/or account is unavailable (e.g., powered down, in airplane mode, not connected to the data network, or the like), the route modulemay access a serverof a third-party service providerfrom a different, available hardware deviceof the user and/or account, may provide one or more notifications or other alerts on a different, available hardware device, or the like. The route module, in various embodiments, may dynamically route downloading of data for a user from a third-party service providerbetween multiple hardware devices, such as one or more hardware devicesof the user, one or more hardware devicesof a different user, one or more backend servers, and/or another hardware device, in a secure manner.

314 102 110 108 102 110 314 102 110 102 110 108 The route module, in one embodiment, may alternate or rotate between multiple hardware devices,(e.g., of the same user, of different users, or the like) for downloading data for the same user from a third-party service providerperiodically. For example, rotating and/or alternating devices,from which data is downloaded, may decrease a likelihood that the downloading will be misinterpreted as fraudulent or improper. In another embodiment, the route modulemay download data from the same device,(e.g., a primary hardware deviceof a user, a backend server, or the like), which may be authorized and/or identified by the third-party service provideras a trusted device, or the like.

316 204 108 108 316 110 108 110 316 110 204 102 316 102 108 316 108 In one embodiment, the frequency modulesets a frequency with which the direct access moduleaccesses the serverof a third-party service provider. The frequency module, in certain embodiments, determines a frequency based on input from a remote backend server, which may be unaffiliated with the third-party service providerbeing accessed, so that the remote backend server(e.g., the frequency moduleexecuting on the remote backend server) determines frequencies for a plurality of direct access modulesfor different users and/or different hardware devices. For example, the frequency modulemay limit a single user and/or hardware devicefrom accessing the same third-party service providermore than an allowed threshold number of times within a time period (e.g., once every ten minutes, once every half an hour, once every hour, twice a day, three times a day, four times a day, or the like). The frequency module, in certain embodiments, limits an access frequency to prevent inadvertent denial of service by a third-party service provider, or the like.

316 102 108 316 108 108 102 102 102 The frequency module, in certain embodiments, may dynamically adjust a frequency with which a user and/or hardware devicemay access a third-party service providerover time. For example, the frequency modulemay monitor access and/or downloads by multiple users (e.g., all users, available users, active users, or the like) to cap or limit a total access and/or download bandwidth for each of the different third-party service providers(e.g., so as not to overwhelm any single third-party service provider, or the like). In this manner, in one embodiment, a user and/or hardware devicemay access and/or download data with a higher frequency when fewer other users and/or hardware devicesare accessing and/or downloading data (e.g., low peak times), but may be limited to a lower cap or access frequency when more other users and/or hardware devicesare accessing and/or downloading data (e.g., high peak times).

316 110 316 108 102 108 102 In a further embodiment, the frequency moduledetermines a frequency based on input from a user, allowing the user to set the access frequency independently of other users and/or of a backend server. The frequency modulemay provide a user interface (e.g., a GUI, CLI, API, or the like) allowing a user to set and/or adjust an access frequency for downloading data from one or more third-party service providersusing one or more hardware devices(e.g., providing different settings allowing the user to set different access frequencies for different third-party service providers, different hardware devicesof the user, or the like).

4 FIG. 104 104 112 112 402 404 406 408 410 412 414 is a schematic block diagram illustrating one embodiment of an aggregation modulefor a query interface. In one embodiment, the aggregation moduleincludes an instance of a query module. The query module, in various embodiments, includes one or more instances of a query receiving module, a query analysis module, a verification module, a verification response module, a privacy module, an authorization module, and a query translate module, which are described in more detail below.

402 402 402 402 102 108 110 106 108 402 408 In one embodiment, the query receiving moduleis configured to receive a query from a user via a query interface. In another embodiment, the query receiving modulemay be configured to receive a query from a third-party to verify sensitive data associated with a user. The query receiving module, in certain embodiments, provides a query interface for a user and/or a third-party to submit a query. The query receiving module, for instance, may provide a query interface as a web interface, an application programming interface (API), a command line interface (CLI), a graphical user interface (GUI) (e.g., locally through an application, remotely through a browser, or the like), a query language interface, a pass/fail interface (e.g., a Boolean interface or the like that either accepts/passes or rejects/fails an assertion or other submission), and/or another computer interface, locally on a computing device,,, over a data network, or the like. A user and/or a third-partymay submit one or more requests (e.g., an assertion, a query, or the like) to the query receiving moduleusing a query interface and may receive one or more responses from the verification response module, described below, over the query interface.

108 402 108 In certain embodiments, a query may be a natural language text string, a question, or the like. In another embodiment, a query may be intended to verify, confirm, validate, or the like sensitive information associated with a user, such as identity information, financial information, employment information, health information, and/or other personal or sensitive information. For example, a third-party service provider, such as a financial institution, an employer, a government agency, an educational institution, a lender, and/or another third-party may have reason to verify one or more aspects of a user's financial state, financial data, identity, or the like, and the user may desire to preserve their privacy. The query receiving module, in one embodiment, may provide a query interface that at least partially preserves the user's privacy while securely validating one or more queries and/or assertions submitted by a third-partyand authorized by the user as it relates to the user's sensitive information.

404 404 In one embodiment, the query analysis moduleis configured to analyze the query to identify one or more results for a query. In certain embodiments, the query analysis modulesupports multiple types of requests (e.g., from a user, from a third-party to verify and/or query different assertions, different data, or the like).

404 For example, the query analysis modulemay support search requests from a user, artificial intelligence prompts from a user, requests to verify and/or query an identity of a user, a financial account balance (e.g., a current balance, an available balance, a statement balance, a previous day posted balance, a total balance, an outstanding loan balance, a past balance for a particular time frame/range, or the like), a financial account type, a financial account status, an account interest rate, an original loan amount, a loan type, a loan term, a maturity date for a loan, a last payment amount, a last payment date, a minimum payment amount, a past due amount, a next payment amount, an autopay status, a payoff amount, an escrow balance, interest earned, taxes paid or due (e.g. property taxes, income taxes, payroll taxes, or the like), a payment history of a user, a transaction type/category, a transaction amount, a transaction date, a transaction status, a merchant name, a merchant address, a check amount, a check number, a fee amount, a fee date, an investment amount, an investment description, an investment type, an average cost basis for an investment, a number of shares for an investment, an investment market value, an investment type, verification of membership of a financial institution for a user, insurance premium payments paid and/or due, or the like.

404 404 404 The query analysis modulemay identify a type of a request, in various embodiments, by a command type (e.g., different commands for different types of request), by a request identifier (e.g., sent as an argument of a request or the like), by a user selection in a GUI, or the like. In certain embodiments, the query analysis modulemay analyze the aggregated transaction data using machine learning to determine a type of the request, sensitive information that a third-party wants to verify, or the like. The analysis modulemay use various machine learning functions, methods, processes, algorithms, or the like for predicting, forecasting, projecting, estimating, or the like a type of the query, a user that is the subject of the query, or the like.

404 The machine learning functions may include both supervised learning (example inputs and their desired outputs are provided with the goal to learn a general rule that maps inputs to outputs) and unsupervised learning (no labels are given to the learning algorithm, leaving it on its own to find structure in its input) algorithms. Examples of different machine learning algorithms may include decision tree learning, association rule learning, deep learning, inductive logic programming, support vector machines, clustering, Bayesian networks, representation learning, genetic algorithms, rule-based learning, deep learning, or the like. The machine learning functions may be part of an artificial neural network where one or more machine learning algorithms may work together to process the aggregated transaction data. Furthermore, the query analysis modulemay create machine learning ensembles (e.g., a set of multiple different machine learning algorithms) that process the query.

404 404 404 In one embodiment, the query analysis modulemay provide previous queries, example queries, training queries, or the like to one or more machine learning algorithms for training and/or inference. Once the machine learning is trained (e.g., a machine learning model is generated and trained on training queries) the query analysis modulemay provide more recent queries, queries in real-time, or the like to the machine learning to process the query to identify, predict, or the like a type of the query, a type of a user's sensitive data to verify, or the like. In this manner, the query analysis modulemay generate up-to-date and accurate machine learning results for a submitted query in real-time.

404 In one embodiment, a query includes an identifier for a user, which the query analysis moduleidentifies by parsing the query using natural language processing, regular expressions, machine learning, or the like. In certain embodiments, an identifier is used to access the user's sensitive data related to the type of sensitive data to verify. The user identifier may include a name, username, email address, token, digital certificate, social media name, account number, or the like.

406 406 In one embodiment, the verification moduleis configured to run a query against a user's data (e.g., the user's aggregated data). The verification module, for instance, may login to at least one account for the user at a third-party system (e.g., a data aggregator system, a financial system, a social media platform, or the like) using previously-stored electronic credentials for the user. The previously-stored electronic credentials may include a username/password, a PIN, a passphrase, an answer to a challenge question, biometric information (e.g., a fingerprint scan, a facial recognition scan, or the like), a wireless signature, a token (e.g., a digital or electronic token that is generated in response to successfully logging into the third party using other credentials and is used to access the user's data thereafter), or the like.

406 406 408 In one embodiment, the verification moduleis configured to access the user's aggregated data and run the query against the data to determine a query result to be embedded in a display of additional and/or public query results. The verification modulemay run a query directly, may translate a submitted query into a query language, or the like, against the user's data to generate a results data set, which the verification response modulemay use to return a response for the query.

408 406 408 406 The verification response module, in one embodiment, is configured to generate a response to a query based on a user's aggregated data. For example, the verification modulemay analyze the user's aggregated data and return a list, total, sum, or the like of the user's financial transactions associated with a received query. The verification response module, based on aggregated data for a user that the verification modulereturns, determines a response to a query, or the like.

410 The privacy module, in one embodiment, is configured to receive and/or set customized privacy settings for accessing a user's aggregated data. The privacy settings may be received and set for a user via the query interface, through an API, a web interface, application settings, a command line interface, or the like. As used herein, privacy settings may define who can access the user's data, which of the user's data can be accessed, or the like.

A user may specify privacy settings that include at least one of user accounts that queries are allowed to run on, transaction types (e.g., purchases, loan payments, account balances, or the like) that queries are allowed to run on, third-parties that are authorized to submit queries and/or blocked from submitting queries, types of queries that are allowed to be run, transaction amount limits that queries can be run on, date ranges of the user data that can be queried, a size of a range that can be queried; one or more thresholds that are allowed to be used with regard to the user's data in responding to requests, a number of times that the data can be queried, personal information that is allowed to be queried (e.g., name, address, email, location, age, or the like), social media data (e.g., tweets, posts, likes, friends, or the like), employment information, tax information, insurance information, health information, other commands, or the like. In some embodiments, the user can set privacy settings on a per-account basis (e.g., different settings for different user accounts), a per-third-party submitting the query basis (e.g., different settings for different third-parties), or the like.

412 412 412 410 In one embodiment, the authorization moduleis configured to prompt a user for authorization to process a query in response to receiving a query (e.g., from the user, from a third-party, or the like). In response to a query being submitted via a query interface, the authorization modulemay send, present, display, or the like a prompt, notification, message, or the like to the user for the user to authorize or deny the query's use of aggregated data associated with the user. For example, the authorization modulemay send a user an email, a push notification, a text message, an instant message, a social media message, a request for authentication through an authenticator application, or the like. A user may establish authentication settings as part of the privacy settings that the privacy moduleestablishes. A user, for instance, may choose whether to be notified of a query submission, whether to require authorization prior to submitting a query, a manner in which to be notified, or the like.

414 414 404 In one embodiment, the query translation moduleis configured to translate the received query into a query language that is used to access a data store for the user's aggregated data. A query, in some embodiments, may be received in a native language such as English, Spanish, French, or the like. The query translation module, which may be part of or in communication with the query analysis module, may analyze a query using natural language processing, machine learning, or the like to determine a type of the query (e.g., financial transaction data for a merchant, an account balance, a spending history, or the like) and translate the query to a query language that is used to query a data store where the user's data is stored, such as Structured Query Language (SQL), extensible markup language (XML), or the like.

5 FIG. 500 500 502 504 506 508 depicts one embodiment of a graphical user interface. In the depicted embodiment, the graphical user interfaceincludes a publicly accessible query interface, embedded financial transaction data, query results, and one or more user interface elements.

502 502 502 106 502 In one embodiment, the query interfacemay comprise a publicly accessible query interface, such as a search engine, an artificial intelligence query interface, or the like. In some embodiments, “publicly accessible” may mean that a query interfaceis available online (e.g., on the internet, on a data network, or the like), is accepting new users and/or accounts, or the like. A publicly accessible query interface, in certain embodiments, may require an account and/or user authentication.

504 112 108 112 108 In one embodiment, the financial transaction datacomprises one or more financial transactions, account balances, and/or other financial information accessed by a query modulefrom a financial account of a user with a third-party service provider, or the like. For example, a query modulemay authenticate a user for a third-party financial account of the user with a third-party service provider, for example, using electronic credentials such as a username/password, a PIN, a passphrase, an answer to a challenge question, biometric information (e.g., a fingerprint scan, a facial recognition scan, or the like), a wireless signature, a token (e.g., a digital or electronic token that is generated in response to successfully logging into the third party using other credentials and is used to access the user's data thereafter), or the like.

508 504 112 504 508 504 508 112 508 508 504 508 504 508 In one embodiment, the one or more user interface elementsare configured to allow a user to toggle (e.g., alternately hide and display) the financial transaction data. For example, in some embodiments, a query modulemay hide and/or minimize display of one or more financial transactionsin response to a first user interaction with a user interface element(e.g., a click, a touch, and/or another interaction) and may display and/or redisplay the one or more financial transactionsin response to a second user interaction with a user interface element(e.g., a click, a touch, and/or another interaction). In a further embodiment, a query modulemay display multiple user interface elementswhich perform different operations (e.g., a minimize and/or maximize user interface elementthat temporarily hides and/or reveals the financial transaction data; a close user interface elementthat closes and/or hides the financial transaction datauntil a user changes a setting, submits another query, or the like; and/or another user interface element).

506 502 504 506 112 504 506 In one embodiment, the query resultsmay comprise internet search results associated with a query received from a user via the query interface. The one or more financial transactions, in certain embodiments, are also associated with the same query as the query results. For example, in the depicted embodiment, a user has searched for a specific “merchant” and a query moduledisplays one or more of the user's financial transactionswith the merchant (e.g., transaction dates, transaction descriptions, transaction amounts, or the like) as well as query resultsassociated with the same merchant (e.g., images for the merchant, locations of the merchant, a website for the merchant, reviews of the merchant, good and/or services of the merchant, a social media page for the merchant, a wiki page for the merchant, a stock price of the merchant, news articles associated with the merchant, a mobile application for the merchant, videos associated with the merchant, coupons and/or offers for the merchant, or the like).

6 FIG. 5 FIG. 600 600 500 502 504 506 508 depicts one embodiment of a graphical user interface. In some embodiments, the graphical user interfacemay be substantially similar to the graphical user interfacedescribed above with regard to, with a publicly accessible query interface, embedded financial transaction data, query results, and/or one or more user interface elements.

600 602 502 112 504 506 502 112 504 506 602 The graphical user interface, in the depicted embodiment, is embedded within an internet browser window, with the query interfacecomprising a URL and/or search box of the internet browser. In one embodiment, a query modulemay dynamically embed a display of one or more financial transactionsinto a display of query results, in response to a user entering a query into the query interface, or the like. In certain embodiments, a query modulemay display one or more financial transactionsand/or query resultsin the internet browser windowdynamically, without displaying a web page of a search engine and/or artificial intelligence query interface (e.g., until a user presses “enter”/“return”, clicks on a user interface element, or the like).

7 FIG. 5 FIG. 6 FIG. 700 700 500 600 502 504 506 508 602 depicts one embodiment of a graphical user interface. In some embodiments, the graphical user interfacemay be substantially similar to the graphical user interfacedescribed above with regard toand/or the graphical user interfacedescribed above with regard to, with a publicly accessible query interface, embedded financial transaction data, query results, and/or one or more user interface elements, within an internet browser windowor the like

700 702 702 502 504 506 508 702 704 602 602 702 502 504 506 508 502 In the depicted embodiment, the graphical user interfacecomprises a web pageof a search engine and/or an artificial intelligence query interface, and the web pagecomprises the query interface, the embedded financial transaction data, the query results, and/or the one or more user interface elements. For example, a user may enter a URL or other identifier of the web pageinto a URL and/or search boxof the internet browser windowand the internet browser windowmay download and/or display the web page, with the query interface, the embedded financial transaction data, the query results, and/or the one or more user interface elements(e.g., some of which may be loaded in response to the user entering a search and/or query into the query interface, or the like).

8 FIG. 800 800 112 802 502 112 804 108 112 806 504 108 112 808 503 112 810 500 600 700 102 504 504 108 506 502 504 506 800 depicts one embodiment of a methodfor an aggregated data query interface. The methodbegins, and a query moduleauthenticatesa user of a publicly accessible query interface. A query moduleauthenticatesthe user for a third-party financial accountof the user. A query moduleaccessesfinancial transaction datafrom the third-party financial accounton behalf of the user. A query modulereceivesa query from the user via the publicly accessible query interface. A query moduleembeds, in a graphical user interface,,on an electronic display screen, a display of one or more financial transactionsfrom the financial transaction datafrom the third-party financial accountwith a display of query resultsfrom the publicly accessible query interface, the one or more financial transactionsand the query resultseach associated with the query from the user, and the methodends.

9 FIG. 900 900 112 902 502 112 904 108 112 906 504 108 112 908 503 112 910 500 600 700 102 504 504 108 506 502 504 506 depicts one embodiment of a methodfor an aggregated data query interface. The methodbegins, and a query moduleauthenticatesa user of a publicly accessible query interface. A query moduleauthenticatesthe user for a third-party financial accountof the user. A query moduleaccessesfinancial transaction datafrom the third-party financial accounton behalf of the user. A query modulereceivesa query from the user via the publicly accessible query interface. A query moduleembeds, in a graphical user interface,,on an electronic display screen, a display of one or more financial transactionsfrom the financial transaction datafrom the third-party financial accountwith a display of query resultsfrom the publicly accessible query interface, the one or more financial transactionsand the query resultseach associated with the query from the user.

112 912 508 504 112 914 508 914 508 112 916 504 914 508 112 916 504 900 906 504 908 502 A query moduledisplaysa user interface elementassociated with the display of the one or more financial transactions. A query moduledetermineswhether or not a user interacts with the user interface element. In response to detectinga first interaction with the user interface element, a query modulehidesthe display of the one or more financial transactions. In response to detectinga second interaction with the user interface element, a query moduledisplaysthe one or more financial transactions. The methodcontinues, accessingfinancial transaction datafor a user and monitoringthe query interfacefor additional queries.

502 102 110 202 302 304 306 104 112 502 A means for authenticating a user of a publicly accessible query interface, in various embodiments, may include one or more of a hardware device, a backend server, an authentication module, a local authentication module, a network authentication module, a password manager module, an aggregation module, a query module, a processor (e.g., a central processing unit (CPU), a processor core, a field programmable gate array (FPGA) or other programmable logic, an application specific integrated circuit (ASIC), a controller, a microcontroller, and/or another semiconductor integrated circuit device), an HDMI or other electronic display dongle, a hardware appliance or other hardware device, other logic hardware, and/or other executable code stored on a computer readable storage medium. Other embodiments may include similar or equivalent means for authenticating a user of a publicly accessible query interface.

108 102 110 202 302 304 306 104 112 108 A means for authenticating a user for a third-party financial accountof the user, in various embodiments, may include one or more of a hardware device, a backend server, an authentication module, a local authentication module, a network authentication module, a password manager module, an aggregation module, a query module, a processor (e.g., a central processing unit (CPU), a processor core, a field programmable gate array (FPGA) or other programmable logic, an application specific integrated circuit (ASIC), a controller, a microcontroller, and/or another semiconductor integrated circuit device), an HDMI or other electronic display dongle, a hardware appliance or other hardware device, other logic hardware, and/or other executable code stored on a computer readable storage medium. Other embodiments may include similar or equivalent means for authenticating a user for a third-party financial accountof the user.

504 108 102 110 204 308 310 312 104 112 504 108 A means for accessing financial transaction datafrom a third-party financial accounton behalf of a user, in various embodiments, may include one or more of a hardware device, a backend server, a direct access module, a pattern module, an access repair module, a hierarchy module, an aggregation module, a query module, a network interface, a processor (e.g., a central processing unit (CPU), a processor core, a field programmable gate array (FPGA) or other programmable logic, an application specific integrated circuit (ASIC), a controller, a microcontroller, and/or another semiconductor integrated circuit device), an HDMI or other electronic display dongle, a hardware appliance or other hardware device, other logic hardware, and/or other executable code stored on a computer readable storage medium. Other embodiments may include similar or equivalent means for accessing financial transaction datafrom a third-party financial accounton behalf of a user.

502 102 110 402 112 104 112 106 502 A means for receiving a query from a user via a publicly accessible query interface, in various embodiments, may include one or more of a hardware device, a backend server, a query receiving module, a query module, an aggregation module, a query module, a processor (e.g., a central processing unit (CPU), a processor core, a field programmable gate array (FPGA) or other programmable logic, an application specific integrated circuit (ASIC), a controller, a microcontroller, and/or another semiconductor integrated circuit device), a network interface, a data network, an HDMI or other electronic display dongle, a hardware appliance or other hardware device, other logic hardware, and/or other executable code stored on a computer readable storage medium. Other embodiments may include similar or equivalent means for receiving a query from a user via a publicly accessible query interface.

500 600 700 102 504 102 102 110 206 104 112 500 600 700 102 504 A means for embedding, in a graphical user interface,,on an electronic display screen, a display of one or more financial transactions, in various embodiments, may include one or more of a hardware device, an electronic display screen of a hardware device, a backend server, an interface module, an aggregation module, a query module, a processor (e.g., a central processing unit (CPU), a processor core, a field programmable gate array (FPGA) or other programmable logic, an application specific integrated circuit (ASIC), a controller, a microcontroller, and/or another semiconductor integrated circuit device), an HDMI or other electronic display dongle, a hardware appliance or other hardware device, other logic hardware, and/or other executable code stored on a computer readable storage medium. Other embodiments may include similar or equivalent means for embedding, in a graphical user interface,,on an electronic display screen, a display of one or more financial transactions.

504 508 102 102 110 206 104 112 504 508 A means for hiding displayof the one or more financial transactions in response to a first user interaction with a user interface element, in various embodiments, may include one or more of a hardware device, an electronic display screen of a hardware device, a backend server, an interface module, an aggregation module, a query module, a processor (e.g., a central processing unit (CPU), a processor core, a field programmable gate array (FPGA) or other programmable logic, an application specific integrated circuit (ASIC), a controller, a microcontroller, and/or another semiconductor integrated circuit device), an HDMI or other electronic display dongle, a hardware appliance or other hardware device, other logic hardware, and/or other executable code stored on a computer readable storage medium. Other embodiments may include similar or equivalent means for hiding displayof the one or more financial transactions in response to a first user interaction with a user interface element.

504 508 102 102 110 206 104 112 504 508 A means for displaying one or more financial transactionsin response to a second user interaction with a user interface element, in various embodiments, may include one or more of a hardware device, an electronic display screen of a hardware device, a backend server, an interface module, an aggregation module, a query module, a processor (e.g., a central processing unit (CPU), a processor core, a field programmable gate array (FPGA) or other programmable logic, an application specific integrated circuit (ASIC), a controller, a microcontroller, and/or another semiconductor integrated circuit device), an HDMI or other electronic display dongle, a hardware appliance or other hardware device, other logic hardware, and/or other executable code stored on a computer readable storage medium. Other embodiments may include similar or equivalent means for displaying one or more financial transactionsin response to a second user interaction with a user interface element.

102 110 202 302 304 306 204 308 310 312 206 314 316 318 402 404 406 408 410 412 414 112 104 Means for performing the other operations and/or method steps described herein, in various embodiments, may include one or more of a hardware device, a backend server, an authentication module, a local authentication module, a network authentication module, a password manager module, a direct access module, a pattern module, an access repair module, a hierarchy module, an interface module, a route module, a frequency module, a test module, a query receiving module, a query analysis module, a verification module, a verification response module, a privacy module, an authorization module, a query translation module, a query module, an aggregation module, a network interface, a processor (e.g., a central processing unit (CPU), a processor core, a field programmable gate array (FPGA) or other programmable logic, an application specific integrated circuit (ASIC), a controller, a microcontroller, and/or another semiconductor integrated circuit device), an HDMI or other electronic display dongle, a hardware appliance or other hardware device, other logic hardware, and/or other executable code stored on a computer readable storage medium. Other embodiments may include similar or equivalent means for performing one or more of the operations and/or method steps described herein.

The present invention may be embodied in other specific forms without departing from its spirit or essential characteristics. The described embodiments are to be considered in all respects only as illustrative and not restrictive. The scope of the invention is, therefore, indicated by the appended claims rather than by the foregoing description. All changes which come within the meaning and range of equivalency of the claims are to be embraced within their scope.